I also posted this in the "Unerstanding Scores" board, because I wasn't sure what it would fall under. Please excuse if you saw it twice!!
OK, the history... after a couple of years of medical issues and an ongoing battle with the insurance company, I was left with awful credit. Like, 500 scores all around. I spent two years rebuilding it all, and was at 670-mid score on FreeCreditReport.com
All of a sudden (I guess because they buy the credit alerts) three collections pop on my report from 2011, 2011, and 2008. I paid off the 2011 ones immediately, but the collection agency won't delete them unless I also pay off the 2008 one which I can't afford to do. So now my FreeCreditReport.com score is a mid-590.
Two questions:
1. When I pull my score here on MyFico, I have a mid-615. I realize they all use different scoring systems, but I wonder, is medical debt weighted differently than credit card debt? Or is there another reason why this is so different from the FreeCreditReport one?
2. I have zero baddies outside of the medical debts, and all of those were deleted except for the 2 paid, and one unpaid from 2008. I have great payment history on my 3 credit cards (they are all about 2 1/2- 3 years old) and have finished paying off the one auto loan I had, and was never late. I have no other loans, no bankruptcies, no late payments outside of the medical bill. How in the world can I get my scores up?? It seems like they are really low for having only the few baddies on there, and the one unpaid being so old. (When I put all of my information into the Score Estimator, it said I should have scores ranging from 609-740... what am I doing wrong? Really need to get these scores up!)
Thanks for any help understanding, and for ANY help in how to raise these scores!!!
